Waterstone Mortgage Corporation mortgage approval rate & lending review
Waterstone Mortgage Corporation decided 18,642 mortgage applications and funded 17,458 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Waterstone Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to waterstonemortgage.com.
Waterstone Mortgage Corporation at a glance
Approval is 8.3 points above the 86.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 15,591 / 16,302 | 99% | $265K | 15,439 |
| Home improvement loans | 87% | 27 / 31 | 100% | $205K | 27 |
| Cash-out refinance | 82% | 641 / 779 | 98% | $265K | 630 |
| Refinance | 86% | 447 / 520 | 98% | $365K | 439 |
| Investment property purchase | 94% | 800 / 849 | 99% | $245K | 790 |
| Investment cash-out refinance | 87% | 79 / 91 | 95% | $185K | 75 |
| Investment refinance | 86% | 57 / 66 | 96% | $215K | 55 |
Waterstone Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Mexico | 96% | $235K | 5,129 | 4,843 |
| Florida | 93% | $285K | 4,599 | 4,222 |
| Arizona | 95% | $395K | 1,336 | 1,256 |
| Texas | 96% | $305K | 1,309 | 1,246 |
| Oklahoma | 97% | $225K | 764 | 733 |
| Wisconsin | 98% | $205K | 658 | 636 |
| Idaho | 98% | $335K | 655 | 635 |
| Missouri | 97% | $195K | 532 | 513 |
| Illinois | 95% | $275K | 422 | 398 |
| Maryland | 95% | $365K | 422 | 401 |
| Minnesota | 95% | $285K | 348 | 325 |
| Kansas | 98% | $345K | 257 | 249 |
| Virginia | 94% | $395K | 204 | 189 |
| New Hampshire | 94% | $395K | 194 | 182 |
| Delaware | 88% | $315K | 159 | 139 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Waterstone Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bernalillo County, NM | Mortgage lenders | 96% | 3,019 | 2,875 |
| Maricopa County, AZ | Mortgage lenders | 97% | 809 | 778 |
| Sandoval County, NM | Mortgage lenders | 96% | 767 | 735 |
| Volusia County, FL | Mortgage lenders | 95% | 745 | 705 |
| Tulsa County, OK | Mortgage lenders | 99% | 556 | 545 |
| Orange County, FL | Mortgage lenders | 93% | 505 | 468 |
| Doña Ana County, NM | Mortgage lenders | 91% | 440 | 398 |
| Santa Fe County, NM | Mortgage lenders | 96% | 374 | 354 |
| Jackson County, MO | Mortgage lenders | 98% | 337 | 330 |
| Okaloosa County, FL | Mortgage lenders | 95% | 326 | 308 |
| Canyon County, ID | Mortgage lenders | 98% | 300 | 294 |
| Seminole County, FL | Mortgage lenders | 96% | 292 | 279 |
The county markets where Waterstone Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about Waterstone Mortgage Corporation
What is Waterstone Mortgage Corporation's mortgage approval rate?
Waterstone Mortgage Corporation approved 94.7% of the 18,642 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.3 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Waterstone Mortgage Corporation offers?
Borrowers accepted 99% of the loans Waterstone Mortgage Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Waterstone Mortgage Corporation make?
The typical home purchase mortgage loan Waterstone Mortgage Corporation made was $265K; across all loan types its typical loan ran from $185K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Waterstone Mortgage Corporation lend?
Waterstone Mortgage Corporation decided applications in 47 of the states Fat Boy Data covers, most of them in New Mexico, Florida and Arizona.
Can I apply to Waterstone Mortgage Corporation directly?
Yes. Waterstone Mortgage Corporation reports as a direct lender that takes applications from borrowers. Its website is waterstonemortgage.com.
Does this page show Waterstone Mortgage Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Waterstone Mortgage Corporation treats applications, then get a rate quote from the lender.